The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,510
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$617/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$591/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$708/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,164
−HK$863/mo
Today · 4.125%
HK$29,027
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,054/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,387
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$827/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$1,110/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,063/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,350
+HK$2,170/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,686 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).